User Roles

Bank users (bank staff member or bank employee) sign in to the Temenos Digital Assist application to process the lending applications/requests depending on the role assigned to the bank user. For this, a set of out-of-the-box user roles are created in the Spotlight application at the financial institution (FI) level and are assigned to the bank user. The permissions are mapped to the user roles which determines the features and actions that the bank user can see and perform in the Assist application. Therefore, at the time of user creation, when a user is assigned a role along with Line of Business (Relationship Manager, Supervisor, Underwriter etc.), the user inherits all the permissions defined at the role level. The display of features and actions throughout the Temenos Digital Assist application are governed by these permissions.

The table lists the lending journeys (Retail, SME) supported by the Temenos Digital Assist application and the corresponding user roles applicable to the lending journey:

User Roles	Lending Journeys and Applicable Roles
	Retail Lending	SME Lending
Relationship Manager (RM)	Retail RM	SME RM
Underwriter (UW)	Retail UW	SME UW
Operations (Ops)	Retail Ops	SME Ops
Supervisor	Retail Supervisor	SME Supervisor
Secretary	Not applicable	Not applicable

The Origination Processing microservice (previously, Loan Origination MS - LOS) is used for processing the lending origination (Retail, SME) requests. The microservice uses Line of Business field to classify the data based on lending requests and to determine user permission to access a request.